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uSwitch terms and conditions

The following are the terms and conditions of use of the uSwitch.com website and call centre. Please read these terms and conditions carefully before you use the uSwitch website or call centre.

By using the uSwitch website or call centre you indicate that you accept these terms and conditions. If you do not accept these terms and conditions you must not use the uSwitch.com website or call centre.

1. PARTIES

1. This Agreement is made between you the customer ("Customer") and uSwitch Limited, Company No 03612689 registered in the UK having its registered office at uSwitch Limited, Notcutt House, 36 Southwark Bridge Road, London, SE1 9EU ("uSwitch.com");

2. In this Agreement, unless the context otherwise requires:

3. uSwitch.com reserves the right to amend these terms and conditions at any time. All amendments to these terms will be posted on-line.

The Customer may terminate the Agreement by written notice to uSwitch.com if the Customer does not wish to be bound by such new terms and conditions.

Continued use of the Service or the uSwitch.com website will be deemed to constitute acceptance of the new terms and conditions.

2. PROVISION OF THE SERVICE

1. Use of the uSwitch.com website is currently free. However, uSwitch.com reserves the right to charge the Customer for certain services or impose charges for use of services that were free. The Customer will be clearly notified of any applicable charges before any such services can be selected or before any charges are levied.

2. The Customer shall be responsible for transmitting all payments due to Suppliers on the terms agreed with the relevant Supplier and uSwitch.com shall have no responsibility for transmission of payments to a Supplier.

3. Certain Suppliers will require details of the Customer's credit or debit card and the Customer hereby agrees to provide such details to uSwitch.com where necessary and to the forwarding of such details by uSwitch.com to the relevant Supplier.

3. PAYMENT

1. Use of the uSwitch.com website is currently free. However, uSwitch.com reserves the right to charge the Customer for certain services or impose charges for use of services that were free. The Customer will be clearly notified of any applicable charges before any such services can be selected or before any charges are levied.

2. The Customer shall be responsible for transmitting all payments due to Suppliers on the terms agreed with the relevant Supplier and uSwitch.com shall have no responsibility for transmission of payments to a Supplier.

3. Certain Suppliers will require details of the Customer's credit or debit card and the Customer hereby agrees to provide such details to uSwitch.com where necessary and to the forwarding of such details by uSwitch.com to the relevant Supplier.

4. CUSTOMER'S OBLIGATIONS

1. uSwitch.com will inform the Customer of any applicable terms and conditions imposed by a Supplier, in relation to the supply of its services, products and/or goods and the Customer agrees to abide by those terms and conditions.

2. The Customer acknowledges that the Customer will be required to fully and accurately complete a registration process, which will include the creation of a password, in order to have access to Save-a-Search.

3. The Customer warrants that all information provided on registration and during the course of this Agreement is true, complete and accurate and that the Customer shall promptly inform uSwitch.com of any changes to such information.

4. Any password allocated to or created by the Customer to enable the Customer to use the Services shall be kept confidential by the Customer and the Customer shall immediately notify uSwitch.com if any authorised third party becomes aware of that password.

The Customer agrees that any person to whom its user name or password is disclosed is authorised to act as the Customer's agent for the purposes of transacting via the Service. The Customer shall take reasonable steps to prevent unauthorised access to its account via any computer the Customer uses to access its account.

5. INTELLECTUAL PROPERTY RIGHTS

1. All intellectual property rights (including all copyright, patents, trade marks, service marks, trade names, designs (including the "look and feel" and other visual or non-literal elements) whether registered or unregistered) in the uSwitch.com website, information and content on the uSwitch.com website, any database operated by uSwitch.com and Software shall remain the property of uSwitch.com and the Customer shall not obtain, and shall not attempt to obtain any title to any such intellectual property rights.

2. No part of the Service may be reproduced in any form or used in any other way except in accordance with these terms and conditions.

3. uSwitch, uSwitch.com, uSwitch.co.uk and the uSwitch logo are registered trade marks of uSwitch.com. You must not use these or any other registered or unregistered trade marks on the Service without the prior written permission of uSwitch.com.

4. uSwitch.com grants the Customer a non-exclusive non-transferable licence to use the Software solely in executable form and only to the extent necessary for use of the Service and for no other purpose.

6. TERMINATION

1. uSwitch.com shall be entitled to suspend the Services and/or terminate this Agreement if:

(i) the Customer commits a breach of Clauses 2.9, 2.10, 2.11 and 2.15 which in uSwitch.com's reasonable opinion is serious enough to merit immediate termination; or

(ii) the Customer commits any breach of these terms and in the case of a breach which is capable of remedy, fails to remedy the same within 7 days after receipt of a notice giving particulars of the breach requiring it to be remedied; or

(iii) uSwitch.com suspects on reasonable grounds that the Customer may have committed or be committing any fraud against uSwitch.com or any Supplier.

2. The right to terminate this Agreement shall not prejudice any other right or remedy of uSwitch.com in respect of any breach or any rights, obligations or liabilities accrued prior to termination.

7. CUSTOMER BREACH

1. The Customer shall compensate uSwitch.com in full for each loss, liability or cost incurred by uSwitch.com arising out of:
1. any claims or legal proceedings arising from the Customer's use of the Services or use of the Services through the Customer's password which are brought or threatened against uSwitch.com by any other person; or
2. any breach of this Agreement by the Customer.

8. LIMITATION OF LIABILITY

1. Nothing in these terms and conditions limits or excludes the liability of uSwitch.com for death or personal injury caused by uSwitch.com's negligence or any other liability which may not be limited or excluded under applicable law.

2. uSwitch.com will use its reasonable endeavours to ensure that information provided to it by Suppliers is accurate but uswitch.com does not guarantee the accuracy, completeness, legality or suitability for the Customer's needs of any information which is provided to the Customer by any Supplier and/or is accessed or obtained by the Customer via the uSwitch.com website, the uSwitch.com call centre or otherwise through using the Service.

3. Subject to clause 8.1, you agree that uSwitch.com will not be liable for any loss, claim or damage (whether direct or indirect) which arises out of or is in any way connected with:

9. DATA PROTECTION

1. uSwitch.com shall comply with all applicable data protection laws in the UK. For a description of how uSwitch.com uses personal data the Customer should refer to uSwitch.com's privacy policy.

10. NO PARTNERSHIP / AGENCY

1. Nothing in this Agreement shall be construed to create a joint venture, partnership or agency relationship between the Customer and uSwitch.com and neither party shall have the right or authority to incur any liability debt or cost or enter into any contracts or other arrangements in the name of or on behalf of the other.

11. ASSIGNMENT

1. The Customer shall not assign or delegate or otherwise deal with all or any of its rights or obligations under this Agreement. uSwitch.com shall have the right to assign or otherwise delegate all or any of its rights or obligations under this Agreement to any person or entity

12. FORCE MAJEURE

1. uSwitch.com shall not be liable for any breach of its obligations under this Agreement where it is hindered or prevented from carrying out its obligations by any cause outside its reasonable control, including without limitation by lightning, fire, flood, extremely severe weather, strike, lock-out, labour dispute, act of God, war, riot, civil commotion, malicious damage, failure of any telecommunications or computer system, compliance with any law, accident (or by any damage caused by any of such events).

13. ENTIRE AGREEMENT AND NO WAIVER

1. This Agreement represents the entire understanding between the parties in relation to the subject matter herein and supersedes all other agreements or representations by either party, whether oral or written.

2. No waiver by uSwitch.com of any future defaults, whether of a like or different character. No granting of time or other forbearance or indulgence by uSwitch.com to the Customer shall in any way release, discharge or otherwise affect the liability of the Customer under this Agreement.

14. NOTICES

1. This Agreement represents the entire understanding between the parties in relation to the subject matter herein and supersedes all other agreements or representations by either party, whether oral or written.

2. No waiver by uSwitch.com of any future defaults, whether of a like or different character. No granting of time or other forbearance or indulgence by uSwitch.com to the Customer shall in any way release, discharge or otherwise affect the liability of the Customer under this Agreement.

15. GOVERNING LAW

1. This Agreement shall be governed by and construed in accordance with the laws of England and Wales and both parties hereby submit to the non-exclusive jurisdiction of the courts of England and Wales.

16. CAR AND HOME INSURANCE TERMS AND CONDITIONS

1. The insurance comparison service is provided by uSwitch Limited, Company No 03612689 registered in the UK having its registered office at Notcutt House, 36 Southwark Bridge Road, SE1 9EU. uSwitch Limited is authorised and regulated by the Financial Conduct Authority. Home insurance comparisons and insurance comparisons, specifically for those with medical conditions and vehicles with modifications are provided by Seopa Ltd, registered in Northern Ireland, Registration Number NI46322. Seopa Ltd has its registered office at 5 Dogleap Road, Limavady, Co Londonderry, N.Ireland. BT49 9NN. Seopa Ltd is authorised and regulated by the Financial Conduct Authority (FCA) (Registration number: 313860). All other aspects of the insurance comparison service are provided by uSwitch Limited. The following terms and conditions apply to uSwitch’s insurance comparison service. By using this system you are also agreeing to Seopa’s Terms & Conditions and Privacy Policy

2. In order to get a quote, you will need to answer a number of questions which cover the full set of questions needed by all the different underlying insurance providers and any intermediaries they may use.

The answers you give will determine the amount you pay and the level of cover you receive. You must get permission from any other people whose details you propose to use in requesting a quote, before you provide any of their information.

This applies to all information that you provide, but especially sensitive data like health information or criminal proceedings or convictions. In submitting any other person’s details, you are confirming to us that you have their permission to do so, and that they understand how their information will be used.

Please take care to answer all the questions honestly and to the best of your knowledge – this will help make sure your insurance policy is as accurate as possible and prevent it from being cancelled. It will also help ensure that any potential claim isn’t rejected or fully paid.

You should be aware that insurers exchange information through various databases to help check information provided and to prevent fraudulent claims. Specifically, Insurance Database Services Limited (IDSL) hosts the Claims and Underwriting Exchange (CUE) which holds a record of incidents reported to insurance companies by policyholders and third party claimants.

Insurers may validate the information provided by you, both about yourself and about any other person named on the application, against the information held on CUE and against other databases hosted by IDSL. Insurers may use this information to consider whether to accept the risk.

For details relating to information held about you on the Claims and Underwriting Exchange please visit insurancedatabases.co.uk. You should also make any other person named on the application aware of the ways in which information on them may be used. These searches may be viewed by other companies when you apply for credit or insurance but shouldn’t harm your credit profile or adversely affect your credit profile.

3. Once you have processed a quote, you can tailor your quotation to cover a range of different circumstances (for example, to amend the voluntary excess) on the results page. When you wish to accept your quotation, it is your responsibility to ensure the changes made to the results page are also made on your proposed insurance providers website.

4. In order to accept a price, you must contact the insurance provider directly. We will give you a direct link to their website and/or telephone number along with any identification needed to access your details. You will find all the relevant information regarding the acceptance of the product and contact details on the insurance providers website.

5. If you are buying via their website you must also read the insurance provider’s own policy/agreement/terms and conditions. They are the terms and conditions that you agree to by buying from them and are separate from our own.

6. Insurance providers can make certain assumptions. It is important that you check for any assumptions made as they form part of your contract and incorrect information could invalidate your insurance cover.

7. Companies change their prices and tweak their rates on a regular basis, sometimes even daily. When you receive your quotes, it will tell you how long each provider guarantees their price. The price quoted to you will be accurate at the time of issue, based on the details you provided and confirmed. You will receive the same guarantee from the insurance provider as you would have received from them by going direct.

8. We seek to ensure that we accurately pass on the information you have provided for the purpose of providing a price comparison, however we stress that it is your responsibility to check that your details are correct on the underlying providers website.

9. We aim to provide a first class standard of service, however there may be occasions when you feel we may have not achieved this. We take all complaints seriously – please follow this link to read our complaints procedure complaints procedure.

If your complaint is regarding a provider that you have purchased a product through and with whom we put you in touch, then you should address your complaint direct to that company.

We cannot accept liability for errors made by the underlying provider or their intermediary or appointed representative, or answer complaints on their behalf. In such an event, we recommend you follow the guidelines provided in the provider’s documentation.

10. You can link to other websites by means of hyperlinks published on the website or e-mailed to you as part of our service. These websites are owned and operated by third parties.

We accept no liability for any statements, information, products or services that are published on or may be accessible through third party websites.

11. Every reasonable step is taken to make sure the information contained in the entire insurance comparison website is accurate and up-to-date. However, we accept no liability for any errors or omissions. We reserve the right to add, amend or delete information from this site at any time.

While we take every reasonable step to counteract viruses and other contaminating or destructive properties, we can give no warranty that this site and its content are free from viruses or anything else that has such contaminating or destructive properties.

12. The copyright in the material contained in the entire insurance comparison website belongs to uSwitch Limited. Any private individual may print off a copy of any part of this material for their own personal use, subject to the following conditions:

The material may not be used for any commercial purposes;

The copy must retain any copyright or other intellectual property notices contained in the original material;

The technology or processes utilised by or described on the website may be subject to other intellectual property rights reserved by uSwitch Limited (see point 10 on intellectual property rights below);

Images on the website are protected by copyright and may not be reproduced or appropriated in any manner without the written permission of their respective owner(s);

no logos, trademarks or service marks appearing on the site may be printed off or copied, except as part of the text of which they form part.

13. Any logos, trademarks, service marks and domain names and all related intellectual property rights of the companies whose sites are searched in providing the service belong to those companies - you may not reproduce them without their prior written consent.

Except for them, all intellectual property rights including, without limitation, all logos, trademarks, service marks, domain names, database rights, rights in design, rights in know-how, patents and rights in inventions (in all cases whether registered or unregistered and including all rights to apply for registration) and all other intellectual or industrial property rights in any jurisdiction in any information, content, materials, data or processes contained in or underlying the insurance comparison website and/or the service’s provided belong to uSwitch Limited. All rights of uSwitch Limited in such intellectual property rights are hereby reserved.

14. We reserve the right to amend these terms and conditions at any time. The amended terms will be effective from the date they are posted on the website.